Stock fact sheet · data as of
Exzeo Group, Inc. (XZO): fair value, margin of safety and Wheel Score
Financial Services · Insurance - Diversified · United States · High Growth
Is XZO undervalued?
At 15.83 (close of 16 Oct 2026), XZO trades 42% below the GLS average fair value of 27.39. That average comes from 7 models run on the latest filings, and 4 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Exzeo Group, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between Graham Number (8.25) and GLS Growth (58.46). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files XZO under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for XZO
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 8.25 | -48% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 38.66 | +144% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 15.71 | -1% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 58.46 | +269% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 24.55 | +55% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 35.51 | +124% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 10.61 | -33% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 2.58 | -84% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Exzeo Group, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability XZO scores 7.0/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are high - ROIC 31.7%, ROE 32.6%, ROA 23.8% - with debt at 0.03 times equity and a free-cash-flow yield of 5.7%.
Exzeo Group, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Technology Service 100% (quarter Q2 FY2026).
Institutional ownership scores 1/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 31.7% |
|---|---|---|---|
| GLS Moat | 7.0 / 10 | ROE | 32.6% |
| Debt / equity | 0.03 | ROA | 23.8% |
| Free-cash-flow yield | 5.7% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Exzeo Group, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 142k shares a day on a market cap of $1.4B, with a beta of 0.50 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 10 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 42% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 11 / 15 | moat 7.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 10 / 20 | 142k shares/day, $1.4B cap, beta 0.50 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 9 Dec 2026, 54 days away - outside the window of a 30-45-day put sold today.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Diversified
The 12 companies below are the closest to Exzeo Group, Inc. by market cap within the Insurance - Diversified industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| IGIC International General Insurance Holdings Ltd. | 24.52 | 65.72 | +63% | 45Weak | $1.0B |
| PLGO Pelagos Insurance Capital Limit | 24.75 | 143.57 | +83% | 39No options | $2.0B |
| GNW Genworth Financial, Inc. | 8.94 | 16.69 | +46% | 83Prime | $3.4B |
| WTM White Mountains Insurance Group, Ltd. | 2,098.01 | 8,914.92 | +76% | 39No options | $5.0B |
| AXS AXIS Capital Holdings Limited | 97.93 | 459.20 | +79% | 84Prime | $7.1B |
| KWY Kingsway Corporation | 9.71 | - | - | 45Weak | $281M |
| BNT Brookfield Wealth Solutions Ltd. | 36.78 | 54.97 | +33% | 72Good | $12.2B |
| AEG Aegon Ltd. | 8.27 | 9.88 | +16% | 57Fair | $12.6B |
| AEFC Aegon Funding Company LLC | 17.47 | 20.05 | +13% | 35No options | $13.6B |
| ACGL Arch Capital Group Ltd. | 99.31 | 356.81 | +72% | 84Prime | $33.9B |
| ACGLN Arch Capital Group Ltd. | 15.30 | 158.96 | +90% | 39No options | $34.7B |
| ACGLO Arch Capital Group Ltd. | 18.48 | 169.55 | +89% | 39No options | $34.9B |
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Start free See the Sunday ScanQuestions about XZO
Is XZO undervalued right now?
By the GLS models, yes: at 15.83 the stock is 42% below the average fair value of 27.39 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of XZO and what does it mean?
XZO has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for XZO?
27.39 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Exzeo Group, Inc. report earnings next?
The next earnings report is due on 9 Dec 2026, 54 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does XZO have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on XZO, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.